如何不讓財富毀了富二代們？

05 如何不讓財富毀了富二代們？

父母給孩子留下多少財產才算是“剛好夠”？FT理財編輯帶來一個“五步計劃”，供你參考。

You have worked hard all your life.You've made your first million by 30, and, hopefully, many more by 40.And along the way, you still found time to start a family, and have children.

你努力工作了一輩子，30歲就身家百萬，到40歲或許積攢了更多個百萬。一路走來，你仍然有時間組建了家庭，養(yǎng)育了孩子。

But now, as you've reached your 50s and 60s, and your children reached their teens, comes a tricky questions as how to leave your money to children without screwing up their lives.

不過如今，你已經到了50或者60的年紀，孩子也接近成年，一個棘手的問題來了：如何將你的財富留給孩子，同時又不搞砸他的生活。

So how do you, as Warren Buffett once said, leave enough for them to do something, but not enough to do nothing.

所以你如何做到像沃倫·巴菲特說的那樣，“給他們留點錢，好讓他們做點事情，卻又不至于留得太多，讓他們一事無成”？

We spoke to a range of experts, wealth managers, and the wealthy parents themselves, about what you should do, and came up with a five-step-plan.

我們采訪了一些專家，其中有理財經理，也有富裕的家長，和他們聊了聊究竟應該怎么做。最后我們制定了一個“五步計劃”。

1

First, determine how much is too much.In a FT's long running interview series My First Million, the question, do you believe in leaving everything to your children, has rarely elicited a resounding Yes.

第一，你需要決定多少錢算“太多”。在FT“我掙到的第一個一百萬”系列專題中，對于“是否會將所有財富留給孩子”這個問題，很少采訪對象給出肯定的回答。

Lesley Pearse has the best response, saying that beyond help with property and education, she intended to spend as much as possible, adding, “if I had to stay in a nursing home, it would be a posh one.”

作家Lesley Pearse的回答最棒。她說除了在房產和教育上幫助孩子，她打算有多少花多少。還說，“就算我不得不住養(yǎng)老院，那也得是家豪華的養(yǎng)老院”。

2

Next, think about the values you want to instill in your children.For John Roberts, chief executive of AO.com, the Footsie(FTSE) listed electro retailer, it all comes down to family values.He said he wanted the children to work hard, think about others, and have respect for what they have and what they earn.But critically in all these he added, was for them to live their own lives.

第二，想一想你給孩子灌輸什么價值觀。對上市企業(yè)、電商AO.com公司首席執(zhí)行官John Roberts來說，最重要的是家庭價值觀。他說他想讓孩子努力工作，為他人著想，珍惜他們所擁有的和賺的每一分錢。但他認為至關重要的一點是，他們應該過自己的生活。

3

Third, education, education, education.Your children need to know more about money than merely spending it.Many organizations offer programs, internships as well as residential courses, that will teach the next generation financial planning and investing, philanthropy, the dynamic of shared family wealth, and longer-term issues, including wealth preservation.

第三，教育、教育、教育。你的孩子應該更好地理解金錢，而不僅僅懂得花錢。許多組織提供培訓、實習機會以及住校課程，教育下一代人如何理財、投資、做慈善、分享家族財富，以及其它一些著眼于長期的問題，譬如財富的保值。

4

Forth, give it all away.For philanthropist entrepreneur Sir Tom Hunter, it's a pressing dilemma.He told me that he was worried that the great wealth would be a burden.But even a super rich is stumped when it comes to determining how much is too much to leave their kids.When I pushed him on how much he is exactly going to leave, he said it was still a working progress.

第四，全數(shù)捐出。對于慈善家、企業(yè)家Tom Hunter爵士而言，這是個兩難問題。他告訴我，他擔心巨額財富會變成一個負擔，就算是超級富豪也會為一個問題為難：給孩子留多少錢才不算太多。當我追問他到底打算留多少時，他說還在考慮中。

5

And finally, control your wealth, even after your death.There are many ways to pass the wealth through the generations, but one of the most effective, and tax efficient, is through trust.Many families would opt for the traditional trust fund, accessible when the child reaches 18, or increasingly when they turn 21 or even 25.

最后，控制你的財富，即使在你去世之后。有很多辦法能讓你的財富一代代傳下去。最有效、課稅最少的辦法之一，是通過信托的方式。許多家庭選擇傳統(tǒng)的信托基金：當孩子18歲時可以拿到祖輩的財產，最新趨勢是等他們長到21歲甚至25歲時。

But ultimately, we all want our children or dependents to be happy and healthy.But be careful, one need help financially can sometimes end up doing more harm than good.

不過最終，我們都希望我們的孩子和家人快樂健康。不過要小心，金錢支持有時候帶給他們的傷害大于幫助。

詞匯總結

elicit [?'l?s?t]

v.抽出，引出；引起

In a FT's long running interview series My First Million, the question, do you believe in leaving everything to your children, has rarely elicited a resounding Yes.

在FT“我掙到的第一個一百萬”系列專題中，對于“是否會將所有財富留給孩子”這個問題，很少采訪對象給出肯定的回答。

nursing home

(老年人)療養(yǎng)院，養(yǎng)老院

If I had to stay in a nursing home, it would be a posh one.

就算我不得不住養(yǎng)老院，那也得是家豪華的養(yǎng)老院。

philanthropist [f?'l?nθr?p?st]

n.慈善家，博愛主義者；樂善好施的人

For philanthropist entrepreneur Sir Tom Hunter, it's a pressing dilemma.

對于慈善家、企業(yè)家Tom Hunter爵士而言，這是個兩難問題。

screw up

擰緊；緊固；弄亂，弄糟；非法抬高…的價格

But now, as you've reached your 50s and 60s, and your children reached their teens, comes a tricky questions as how to leave your money to children without screwing up their lives.

不過如今，你已經到了50或者60的年紀，孩子也接近成年，一個棘手的問題來了：如何將你的財富留給孩子，同時又不搞砸他的生活。

instill [?n'st?l]

v.徐徐滴入；逐漸灌輸

Next, think about the values you want to instill in your children.

第二，想一想你給孩子灌輸什么價值觀。